Payment card and methods

ABSTRACT

One variation of a payment card includes: a sheet comprising first and second icons; a transducer configured to output a voltage in response to an impulse on the sheet; a wireless communication module; a first input region adjacent the first icon; a second input region adjacent the second icon; a magnetic stripe emulator; and a processor configured to transition from a passive state to an active state in response a voltage output from the transducer, to receive a first magnetic sequence command associated with a first payment method and a second magnetic sequence command associated with a second payment method, to assign the first payment method to the first input region and the second payment method to the second input region, to receive a selection for the second payment method from the second input region, and to control the magnetic stripe emulator according to the second magnetic sequence command.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. application Ser. No.13/904,951 filed on 29 May 2013, which claims the benefit of U.S.Provisional Application No. 61/689,083 filed on 29 May 2012, U.S.Provisional Application No. 61/796,594, filed on 15 Nov. 2012, U.S.Provisional Application No. 61/848,581 filed on 7 Jan. 2013, U.S.Provisional Application No. 61/849,213 filed on 22 Jan. 2013, U.S.Provisional Application No. 61/850,866, filed on 25 Feb. 2013, and U.S.Provisional Application No. 61/818,831, filed on 2 May 2013, all ofwhich are incorporated herein in their entireties by this reference.

TECHNICAL FIELD

This invention relates generally to the field of bank cards and, morespecifically, to a new and useful payment card and associated methods inthe field of bank cards.

BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a schematic representation of a payment card;

FIGS. 2A and 2B are schematic representations of the payment card;

FIG. 3 is a schematic representation of a variation of the payment card;

FIG. 4 is a schematic representation of a variation of the payment card;

FIG. 5 is a schematic representation of a variation of the payment cardand a magnetic stripe reader;

FIG. 6 is a flowchart representation of a first method;

FIG. 7 is a flowchart representation of a variation of the first method;

FIG. 8 is a flowchart representation of a variation of the first method;

FIG. 9 is a flowchart representation of a second method;

FIG. 10 is a flowchart representation of a variation of the secondmethod;

FIG. 11 is a flowchart representation of a variation of the secondmethod;

FIG. 12 is a flowchart representation of a third method;

FIG. 13 is a flowchart representation of a variation of the thirdmethod;

FIG. 14 is a flowchart representation of a fourth method; and

FIG. 15 is a flowchart representation of a variation of the fourthmethod.

DESCRIPTION OF THE EMBODIMENTS

The following description of the embodiments of the invention is notintended to limit the invention to these embodiments, but rather toenable any person skilled in the art to make and use this invention.

1. Payment Card

As shown in FIGS. 1 and 2A, a payment card includes: a sheet 110comprising a first icon 111 and a second icon 112; a transducer 150arranged within the sheet 110 and configured to output a voltage inresponse to an impulse on a surface of the sheet 110; a wirelesscommunication module 120; a first input region 131 adjacent the firsticon 111; a second input region 132 adjacent the second icon 112; amagnetic stripe emulator 140; and a processor 160 arranged within thesheet 110 and configured to transition from a passive state to an activestate in response to receiving a voltage output from the transducer 150,to receive a first magnetic sequence command associated with a firstpayment method and a second magnetic sequence command associated with asecond payment method through the wireless communication module 120, toassign the first payment method to the first input region 131 and thesecond payment method to the second input region 132, to receive aselection for the second payment method from the second input region 132in response to an input adjacent the second icon 112, and to control themagnetic stripe emulator 140 according to the second magnetic sequencecommand in response to receiving the selection for the second paymentmethod.

Generally, the payment card 100 functions to consolidate multipleplastic payment cards into a single physical card that can imitatepayment functionalities of the multiple plastic payment cards throughmanipulation of a magnetic stripe emulator. For example, the paymentcard 100 can imitate a user's debit card issued through a bank, a user'sprimary credit card issued by a preferred credit card company, and auser's secondary credit card issued by another credit card company byselectively driving the magnetic stripe emulator 140 according to aunique magnetic sequence command associated with each individual card.The payment card 100 can additionally or alternatively imitate a giftcard, an identification (i.e., ID) card (e.g., a driver's license), aloyalty card, a door or gate access card, or any other individual cardcontaining data in a magnetic stripe. The payment card 100 can define aform factor substantially similar to that of a standard plastic paymentcard, that is, 3.370″ (85.60 mm) wide by 2.125″ (53.98 mm) tall by 0.06″thick.

The payment card 100 can also interface with a mobile computing device,via the wireless communication module 120, to authenticate an upcomingpayment attempt, to download magnetic sequence commands of a subset ofavailable payment methods, and/or to upload a current payment selectionfor display on the mobile computing device. For example, the mobilecomputing device can be a smartphone or tablet, and a native applicationexecuting on the smartphone or tablet can manage entry of new plasticbank cards, selection of magnetic sequence commands to upload to thepayment card 100, and authentication of upcoming payments. The paymentcard 100 can also include the set of input regions to enable a user toselect a particular payment method to imitate, to enter a passcode toauthenticate an upcoming payment attempt, and/or to select a particularoperating mode of the payment card 100, such as a timed payment mode(described below). Therefore, the payment card 100 can—separately or inconjunction with a native application executing on a mobile computingdevice—consolidate multiple plastic bank cards into a single dynamicpayment card of a similar form factor, thereby substantially eliminatinga need for a user to carry multiple (i.e., more than one) bank cards,gift cards, and/or identification cards, etc. at any given time.

The sheet 110 of the payment card 100 includes a first icon and a secondicon. Generally, the sheet 110 functions as a housing for the variouscomponents of the payment card 100, including the transducer 150, thewireless communication module 120, the input regions, the processor 160,etc. The sheet 110 can therefore define the external dimensions of thepayment card 100, and the sheet 110 can therefore be of a form factorsubstantially similar to that of a standard plastic bank card. In oneimplementation, the sheet 110 includes a front layer 116 and a backlayer 117 that sandwiches various components of the payment card 100.For example, the transducer 150, the wireless communication module 120,the input regions, the processor 160, and a battery can be mounted orconstructed on a flexible circuit board 180 (shown in FIG. 2A) that issandwiched between the front layer 116 and the back layer 117 to definean external geometry that is 3.370″ (85.60 mm) wide by 2.125″ (53.98 mm)tall by 0.06″ thick. Alternatively, the flexible circuit board 180 canbe reaction injection molded between (or inside) the front layer 116 andthe back layer 117, and a glass card layer can be laminated over thefront layer. However, the sheet 10 can be assembled in any othersuitable way. The sheet 110 can also define a fluid-tight or dustproofhousing that can seal any of the foregoing components againstcontamination by fluid or particulate ingress.

The sheet 110 also defines the first icon 111 and the second icon 112that are visually and/or tactilely distinguishable by a user. In oneexample, as in the foregoing implementation, the first icon 111 and thesecond icon 112 can be printed on the front layer 116. In this example,the front layer 116 can be transparent or translucent, and the first andsecond icons can be printed on an interior surface of the front layer116 to protect the first and second icons from wear. In another example,the first icon 111 and the second icon 112 can be embossed or debossedon the front layer 116, such as through stamping, molding, etching, orbulk micromachining.

The first icon 111 and the second icon 112 can include alphanumerictext. For example, the first icon 111 can include a printed, embossed,and/or debossed “A”, and the second icon 112 can include a printed,embossed, and/or debossed “B”. In a similar example, the first icon 111can include a printed, embossed, and/or debossed “1”, and the secondicon 112 can include a printed, embossed, and/or debossed “2”. The sheet110 can also define additional icons, such as a third icon including aprinted, embossed, and/or debossed “C” or 3”, a fourth icon including aprinted, embossed, and/or debossed “D” or 4”, etc. aligned with a thirdinput region and/or a fourth input, etc. Alternatively, the first icon111 and the second icon 112 can include descriptions or other symbols.For example, The sheet 110 can define the first icon 111 that reads“Credit,” the second icon 112 that reads “Debit,” a third icon thatreads “Gift,” and a fourth icon that reads “Driver's License.” However,the sheet 110 can define the first icon 111, the second icon 112, etc.that are of any other form and printed or formed on the sheet 110 in anyother suitable way.

As described above, the sheet 110 can includes two (or more) layers thathouse or “sandwich” various components of the payment card 100. Each ofthe two layers can be of the same or similar material, such as polyvinylchloride (PVC), polyethylene terephthalate (PETG), or another polymer orsilicone-based elastomer. Alternatively, the layers can be of disparatematerials. For example, the sheet 110 can include a front layer 116 ofchemically-strengthened alkali-aluminosilicate glass and a back layer117 of polyurethane. The assembly of layers (i.e., the sheet 110) canalso be flexible to approximate the “feel” of a standard PETG or PVCplastic bank card. The layers can be assembled with an adhesive, throughhot or cold lamination, through surface activation, or by any othersuitable process or technique. However, the sheet 110 can include anyother materials, can define the first icon 111 and the second icon 112in any other way, can be of any other form or geometry, and can featureany other mechanical property.

The transducer 150 of the payment card 100 is arranged within the sheet110 and is configured to generate a voltage output in response to animpulse on a surface of the sheet 110. Generally, the transducer 150functions to convert a mechanical impulse (e.g., a tap) on a surface ofthe payment card 100 into an electrical signal of magnitude sufficientto ‘wake’ the processor 160 from a passive mode to an active mode. Forexample, the transducer 150 can be piezoelectric transducer electricallycoupled to an ‘wake’ interrupt-enabled input pin of the processor 160,wherein the transducer 150 outputs a voltage greater than 2.5V, whichtriggers the processor 160 to switch from a passive, low-current drawmode to an active, higher-current draw mode.

In the implementation in which the sheet 110 includes two layers, thetransducer 150 can be arranged between the two layers, such as on theflexible circuit board 180 housed between the two layers. The transducer150 can therefore be fabricated or installed across an inner broad faceof one layer of the sheet 110, such as across a portion of the innerbroad face of the back layer 117 of the sheet 110. The transducer 150can also be aligned with a region of the sheet 110 that is substantiallytactilely accessible to a user when the payment card 100 is held. Forexample, the form factor of the payment card 100 can be such that a userinstinctively grasps the top and bottom long edges of the card betweenthe thumb and the index and middle fingers of one hand and taps the cardnear the center of its broad face with the index finger of the otherhand to wake the card from the passive setting. In this example, thetransducer 150 can be arranged near the center of the broad face of thecard.

Furthermore, the transducer 150 can be arranged proximal a portion ofthe payment card 100 likely to exhibit substantial deflection inresponse to a typical impulse. The transducer 150 may output a voltagepotential proportional to its deflection, and the transducer 150 maytherefore be arranged proximal a region of the sheet 110 that exhibitsmaximum deflection under impact. In one example implementation in whichthe payment card 100 is of a form factor similar to that of a standardplastic bank card, when a user grasps the top and bottom long edges ofthe card between the thumb and the index and middle fingers of one handand taps the card near the center of its broad face with the indexfinger of the other hand, the sheet 110 may exhibit maximum deformationalong a line substantially parallel to and equidistant from the longedges of the sheet 110. In a similar example implementation, when theuser grasps the left and right short edges of the card between the thumband the index and middle fingers of one hand and taps the card near thecenter of its broad face with the index finger of the other hand, thesheet 110 may exhibit maximum deformation along a line substantiallyparallel to and equidistant from the short edges of the sheet 110.Therefore, the transducer 150 can be substantially aligned with thecenter of the broad face of the sheet 110 to substantially ensure thatan impact (e.g., tap) on the payment card 100 will yield a voltagespike, from the transducer 150, of a magnitude sufficient to wake theprocessor 160 from the passive setting to the active settingsubstantially regardless of how the card is held by the user. However,the transducer 150 can be any other type of transducer arranged in anyother way within the payment card 100.

The wireless communication module 120 of the payment card 100 functionsto establish a wireless connection with a mobile computing device (e.g.,a smartphone, a tablet, or any other external device) to enable wirelessdata transfer to the payment card 100. Generally, the wirelesscommunication module 120 can enable communications between the paymentcard 100 and the mobile computing device to download payment method data(e.g., magnetic sequence commands for various payment methods) and toauthenticate use of the payment card 100 to complete a transaction, asdescribed below. The wireless communication module 120 can include botha wireless receiver and a wireless transmitter that enable two-waycommunication between the payment card 100 and the mobile computingdevice. For example, the wireless communication module 120 includes ashort-range wireless transceiver, such as a Bluetooth communicationmodule. However, the wireless communication module 120 can implement anyother suitable type of wireless communication protocol, such as Wi-Fi,cellular, or ZigBee.

The wireless communication module 120 can be fabricated or installed onthe flexible circuit board 180 and can include a radio antenna 122tailored to a particular wireless communication frequency. For example,the wireless communication module 120 can include a Bluetoothtransceiver configured to exchange data wirelessly in the industrial,scientific and medical (ISM) radio bands between 2400 and 2480 MHz, andthe radio antenna 122 can be sized for the frequency band between 2400and 2480 MHz. The radio antenna 122 can be integrated into the flexiblecircuit board 180 as a trace and can include a linear segment. Becausethe payment card 100 may flex, such as under an impact to wake toprocessor or to mimic a standard plastic bank card as described above,the linear segment of the radio antenna 122 may deform, therebyaffecting an effective length of the antenna. Therefore, the linearsegment can be arranged proximal a region of the sheet 110 subject tominimal relative deflection, such as adjacent and parallel to a shortedge of the sheet 110 (i.e., perpendicular to a long edge of the sheet110). The wireless communication module 120 can also include a crystaloscillator installed or fabricated on the flexible circuit board 180.Flexure of the sheet 110 can induce strain across the crystaloscillator, thereby modifying a clock speed of the crystal oscillator121. For example, strain across the crystal oscillator 121 can reducethe clock speed of the crystal oscillator 121 from 2400 MHZ to 2390,which falls outside of the ISM range suitable for Bluetoothcommunication. Therefore, the crystal oscillator 121 can be arrangedproximal a region of the sheet 110 subject to minimal relativedeflection, such as adjacent (and parallel) to a short edge of the sheet110. However, the wireless communication module 120 can include anyother type of antenna or oscillator arranged in any other way.

In one alternative implementation, the wireless communication module 120can include an optical sensor, such as a photoresistor or photodiode, toenable optical transmission of data from the mobile computing device tothe payment card 100. For example, to upload a magnetic sequence commandfor a payment method to the payment card 100, a user can place thepayment card 100 over a screen of a smartphone with a long edge alignedwith a long edge of the screen and a short edge aligned with a shortedge of the screen, and a native application executing on the smartphonecan switch a set of pixels adjacent the optical sensor in the paymentcard 100 between black (e.g., representing a ‘0’ bit) and white (e.g.,representing a ‘1’ bit) states to transmit data to the payment card 100.Furthermore, the wireless communication module 120 can include anoptical transmitter, such as an infrared light-emitting diode (LED), toenable optical transmission of data from the payment card 100 to themobile computing device. However, the wireless communication module 120can receive and/or transmit data from and/or to the mobile computingdevice over optical communication in any other suitable way.

In one alternative implementation shown in FIG. 4 the wirelesscommunication module 120 can include an acoustic transducer, such as amicrophone, configured to receive audio signals and to convert audiosignals into electrical impulses. For example, to upload a magneticsequence command for a payment method to the payment card 100, a usercan place the payment card 100 adjacent a speaker of a smartphone, and anative application executing on the smartphone can control a speakerdriver to transmit card data acoustically to the payment card 100. Thewireless communication module 120 can further include a speaker andspeaker driver to enable similar acoustic communication of data from thepayment card 100 to the mobile computing device. In this implementation,the processor 160 can pass digital data stored in memory through anaudio CODEC where it is converted to an analog signal. The analog signalcan then amplified through a speaker and transmitted wirelessly as soundwaves. The analog signal can be transmitted according to frequency shiftkeying (FSK), on-off keying (OOK), or phase shift keying (PSK)techniques, such as with around a frequency of 20 kHz. However, thewireless communication module 120 can function in any other way andinclude any other suitable component to enable wireless communication ofdata between the payment card 100 and the mobile computing device.

The first input region 131 and the second input region 132 of thepayment card 100 are arranged within the sheet 110 adjacent the firsticon 111 and adjacent the second icon 112, respectively. Generally, thefirst icon 111 and the second icon 112 function to capture inputs on thesheet 110 to enable user selection from available payment methods and toenable authentication of the payment card 100 for a payment, asdescribed below. As described above, the payment card 100 can includeadditional input regions, such as a third input region aligned with athird icon and a fourth input region aligned with a fourth icon.

In one implementation, the first input region 131 includes a first touchsensor, and the second input region 132 includes a second touch sensor,and the first and second touch sensors can be discrete. Alternatively,the first and second touch sensors can be physically coextensive,wherein a single touch sensor can be arranged behind the first icon 111and the second icon 112 to capture inputs over both the first icon 111and the second icon 112. The first input region 131 and/or the secondinput region 132 can therefore include a capacitive touch sensor, anoptical touch sensor, a resistive touch sensor, or any other suitabletype of touch sensor. Furthermore, as in the implementation describedabove in which the sheet 110 includes a front layer 116 and a back layer117 that sandwich a flexible circuit board 180, the first touch sensorand the second touch sensor can be installed or fabricated on theflexible circuit board 180 and configured to detect a touch on thesurface of the sheet 110 through the front layer 116. However, the firstand second touch sensors can be arranged in any other way and canfunction in any other way to detect a touch on a surface of the sheet110.

In another implementation, the first input region 131 includes a firstmechanical switch, and the second input region 132 includes a secondmechanical switch. The first and second mechanical switches can each bea dome switch or any other suitable type of mechanical momentary switch.The dome switch can be installed on the flexible circuit board 180, theflexible circuit board 180 can be installed or ‘potted’ over an interiorbroad face of a back layer 117 of the sheet 110, and the front layer 116of the sheet 110 can be flexible (e.g., a silicone-based elastomer) andoverlaid on top of the flexible circuit board 180 and mechanicalswitches such that a user may depress the first icon 111, theforward-facing layer of the sheet 110 may deform locally, and the firstmechanical switch may close to trigger an input. In this configuration,the user may similarly depress the second icon 112, the forward-facinglayer of the sheet 110 may deform locally, and the second mechanicalswitch may close to trigger a second input. However, the first inputregion 131 and the second input region 132 can include any other type ofcontact or contactless sensor to detect an input on a surface of thesheet 110 proximal the first icon in and the second icon 112.

The magnetic stripe emulator 140 of the payment card 100 functions toimitate one or more tracks of a static magnetic stripe of a standardplastic bank card. As shown in FIG. 2A, the magnetic stripe emulator 140can include a set of (i.e., one or more) electromagnetic coils 141controlled by the processor 160 through a coil drive circuit 142 tooutput data in the form of changing magnetic field polarities. Forexample, as shown in FIG. 2A, the magnetic stripe emulator 140 caninclude a set (i.e., one or more) coil 141 and a coil drive circuit 142that includes a transistor 144, a resistor 145, and a diode 146. Avoltage on the gate of transistor can enable current to flow from abattery 170 to a coil, and the resistor can enable a drive currentthrough the coil. The diode can be coupled in parallel with the coil toprotect against voltage pulses inherent in coil inductance. The coilsdrive circuit can additionally or alternatively include an H-bridge todrive the coil in both positive and negative directions to reverse amagnetic field output.

Generally, the processor 160 can control the coil drive circuitaccording to a magnetic sequence command to switch a polarity of one ormore coils in the magnetic stripe emulator 140. For example, the coildrive circuit can pass current through a coil of the magnetic stripeemulator 140 in a first direction to represent a ‘0’ bit, and the coildrive circuit can switch the direction of current passing through thecoil to represent a ‘1’ bit. Each magnetic stripe sequence command caninclude a series of bits (i.e., ‘0’s and ‘1’s) representing a set ofbits in a static magnetic stripe in a corresponding plastic bank card,and the processor 160 can control the coil drive circuit according tothe bits in the magnetic stripe sequence command to enable the magneticstripe emulator 140 to imitate the corresponding static plastic bankcard.

In one example implementation, a magnetic sequence command includes datacommonly included in a Track 2 standard (i.e., a banking industrymagnetic tripe standard) including: a start sentinel (e.g., ‘;); aprimary account number (PAN) (e.g., a credit card number); a separator(e.g., ‘=’); an expiration date (e.g., alphanumeric characters in theform of ‘YYYMM’); a service code (e.g., a first digit specifyinginterchange rules, a second digit specifying authorization processing, athe third digit specifying a range of services); discretionary data(e.g., a card verification code (CVV); an end sentinel (e.g., “?”);and/or a longitudinal redundancy check (LRC) (e.g., a validity charactercalculated from other data on the track). The processor 160 can controlthe magnetic strip emulator, through the coil drive circuit, tosequentially output bits corresponding to the any of the foregoing data.The processor 160 can also control a first coil of the magnetic stripeemulator 140 according Track 2-type data and a second coil of themagnetic stripe emulator 140 according to another data structure, suchas Track 1-type or Track 3-type data.

The processor 160 and the magnetic stripe emulator 140 can alsocooperate to detect a read head of a magnetic stripe reader (shown inFIG. 5) as the payment card 100 is swept along the read head, and theprocessor 160 can drive the set of electromagnetic coils, via the coildrive circuit, according to the position and/or velocity (i.e., speedand direction) of the magnetic stripe emulator 140 relative to the readhead as the payment card 100 is passed through the magnetic stripereader. In one example, the magnetic stripe emulator 140 can include afirst coil configured to sense a read head and a second coil to outputbits according to a magnetic sequence command. In another example, theprocessor 160 can cooperate with a coil of the magnetic stripe emulator140 to detect a read head, and, once a read head is detected, theprocessor 160 can control the coil via the coil drive circuit to outputbits according to a magnetic sequence command. By detecting a read headthrough the magnetic stripe emulator 140, the processor 160 can time or‘clock’ sequential bits output by the magnetic stripe emulator 140 suchthat the payment card 100 appears to a standard magnetic stripe readeras a typical static plastic bank card and such that a standard magneticstripe reader can detect and decipher magnetic pulses from the magneticstripe emulator 140 (substantially) without modification. The processor160 can thus “couple” the magnetic tripe emulator to a read head of amagnetic stripe reader as the payment card 100 is swiped through themagnetic stripe reader, as shown in FIG. 5. However, the magnetic stripeemulator 140 can include any other number of coils configured to detector output any other data to a magnetic read head in any other suitableway.

The magnetic stripe emulator 140 can also be arranged parallel to andoffset from a long edge of the polymer layer. For example, the magneticstripe emulator 140 can be arranged in a location similar to a standardstatic magnetic stripe position on a standard plastic bank card.Furthermore, the set of electromagnetic coils of the magnetic stripeemulator 140 can be of a length and width similar to that of a standardstatic magnetic stripe on a standard plastic bank card. For example, thecoils of the magnetic stripe emulator 140 can be arranged approximately0.223″ (5.66 mm) from each short edge of the payment card 100 and can beapproximately 0.375″ (9.52 mm) in width. Such arrangement of themagnetic stripe emulator 140 in the payment card 100 may thus enable thepayment card 100 to be read by standard magnetic stripe readers alreadyin use to read standard (i.e., static) plastic bank cards. However, themagnetic stripe emulator 140 can be arranged in any other way, can be ofany other form or geometry, and can function in any other way to imitatea static magnetic stripe of a plastic bank card.

The processor 160 of the bank card is arranged within the sheet 110 andis configured to transition from a passive setting to an active settingin response to receiving a voltage output from the transducer 150, toreceive the first magnetic sequence command associated with a firstpayment method and the second magnetic sequence command associated witha second payment method through the wireless communication module 120,to assign the first payment method to the first input region 131 and thesecond payment method to the second input region 132, to receive theselection for the second payment method from the second input region 132in response to an input adjacent the second icon 112, and to control themagnetic stripe emulator 140 according to the second magnetic sequencecommand in response to the selection for the second payment method.Generally, the processor 160 function to control the magnetic stripeemulator 140 according to a tap on the payment card 100, availablepayment methods stored on the payment card 100, availability of awireless connection with a mobile computing device, inputs on the inputregions, and/or selection of a payment method through the input region,etc.

As described above the processor 160 can be electrically coupled to thetransducer 150 via a trace on the flexible circuit board 180. Inparticular an output of the transducer 150 can be electrically coupledto an interrupt input of the processor 160 such that a voltage spikegenerated by the transducer 150 in response to a tap on a surface of thepayment triggers the processor 160 to switch from a passive (i.e.,low-power) state to an active setting in which the processor 160monitors various inputs from the wireless communication module 120, theinput regions, the magnetic stripe emulator 140 (e.g., to detect a readhead of a magnetic stripe reader), etc. and generates various outputs tocontrol the magnetic stripe emulator 140 and/or other components of thepayment card 100. For example, when the processor 160 receives a voltagespike from the transducer 150 and transitions from the passive settingto the active setting, the processor 160 can toggle one or more LEDswithin the payment card 100 to provide visual feedback to a user thatthe payment card 100 is activated or ‘ON.’

Alternatively, the processor 160 can be coupled to another inputmechanism on the payment card, such as a mechanical switch, a straingauge, a light or infrared detector, etc., and the processor cantransition out of a passive setting in response to an input or outputstate change of the input mechanism. However, the processor 160 caninterface or receive an output from any other suitable component withinthe payment card 100 to initiate an active mode or a payment mode on thepayment card 100.

Once in the active setting, the processor 160 can interface with thewireless communication module 120 to attempt wireless communication withthe mobile computing device. In one implementation, the processor 160cooperates with the wireless communication module 120 to identify andconnect to a paired mobile computing device (e.g., wireless-enabled asmartphone or tablet). For example, the wireless communication module120 can include a Bluetooth module, the processor 160 can store a uniqueBluetooth serial identification number of the paired mobile computingdevice, and the processor 160 can cooperate with the wirelesscommunication module 120 to identify the mobile computing device, withinrange of the payment card 100, via the unique Bluetooth serialidentification number. In this example, the wireless communicationmodule 120 can assume a ‘master’ function to identity one or more otherBluetooth modules within range, identify a particular Bluetooth moduleof the paired mobile computing device based on a stored identifier ofthat Bluetooth module, and establish a connection with the particularBluetooth module in a ‘slave’ function. Because the mobile computingdevice may have a more precise clock than that coupled to the wirelesscommunication module 120, once a connection is established between thepayment card 100 and the mobile computing device, the mobile computingdevice can assume the master function and the payment card 100 canassume the slave function. Once a connection is established between thepayment card 100 and the mobile computing device, the processor 160 cancontrol one or more LEDs within the payment card 100 to provide visualfeedback to a user that the connection was successful. For example, theprocessor 160 can flash a green LED three times once the connection isestablished. Similarly, the processor 160 can flash a red LED threetimes if a wireless connection with the particular mobile computingdevice fails. However, the processor 160 and the wireless communicationmodule 120 can cooperate in any other way to identify, pair, andcommunicate with a particular mobile computing device within range.

Once the mobile computing device is identified and a wireless connectionis established between the wireless communication module 120 and themobile computing device, the processor 160 can cooperate with thewireless communication module 120 to download a magnetic sequencecommand associated with a particular payment method from the mobilecomputing device. For example, a native application executing on themobile computing device can capture, store, and handle information forvarious cards. In this example, for a single bank card, the nativeapplication can store an issuing entity (e.g., a bank), an assignee(i.e., a name on the bank card), a card number, an expiration date, averification number (e.g., a CVV number), a rewards account or usernameassociated with the bank card, a magnetic sequence stored on a staticmagnetic stripe, etc. Furthermore, in this example, the processor 160can communicate with the mobile computing device, via the wirelesscommunication module 120, to retrieve relevant information for aparticular bank card, such as the magnetic sequence of the particularbank card in the form of a magnetic sequence command.

In one example implementation, once a wireless connection is establishedbetween the payment card 100 and the mobile computing device, theprocessor 160 cooperates with the wireless communication module 120 tosynchronize or ‘sync’ with the native application executing on themobile computing device, wherein the processor 160 downloads pertinentinformation (i.e., a magnetic sequence command) for each of a number ofplastic bank cards corresponding to the number of input regions on thepayment card 100. In one example in which the payment card 100 includesthe first input region 131 adjacent the first icon 111 and the secondinput region 132 adjacent the second icon 112, the processor 160 cansync with the native application to download a first magnetic sequencecommand for a first payment method and a second magnetic sequencecommand for a second payment method. In another example in which thepayment card 100 includes the first input region 131 adjacent the firsticon 111, the second input region 132 adjacent the second icon 112, anda third input region adjacent a third icon, the processor 160 can syncwith the native application to download a first magnetic sequencecommand for a first payment method, a second magnetic sequence commandfor a second payment method, and a third magnetic sequence command for athird payment method. The magnetic sequence commands downloaded to thepayment card 100 from the mobile computing device can include magneticsequence commands for a default selection of available payment methods,a ranked selection of available payment methods, a manual selection ofavailable payment methods (e.g., a selection entered by a user throughan interface within the native application), or any other suitableselection of available payment methods.

The processor 160 can automatically sync with the native applicationonce a wireless connection is established between the wirelesscommunication module 120 and the mobile computing device. Alternatively,the native application can push payment method information to thepayment card 100 in response to a manual input entered through thenative application, or the processor 160 can request a payment methodupdate in response to a manual input on one or more input regions of thepayment card 100. For example, the processor 160 can receive sequence ofinputs through the input regions (i.e., the first input region 131, thesecond input region 132 and/or any additional input region), correlatethe series of inputs with a request to sync with the native application,and transmit a request to the mobile computing device, via the wirelesscommunication module 120, to sync an updated selection of paymentmethods. However, the processor 160 can function in any other way todownload magnetic sequence commands corresponding to one or more paymentmethods from the mobile computing device via the wireless communicationmodule 120.

In one alternative described in U.S. Provisional Application No.61/848,581, which is incorporated in its entirety by reference, theprocessor 160 can also implement a “quick-sync” feature to downloadpayment method data from the mobile computing device. For example, auser can select a specific payment method for one-time use (i.e., asingle active session or one swipe) through the native application, andthe wireless communication module 120 can sync with the nativeapplication (through the quick-sync feature) once a wireless connectionis established to download the specific payment method for one-time use.In this example, the quick sync feature can thus enable the user tocommunicate instructions to the payment card 100 to emulate a specificpayment method for one-time use without changing payment methodassignments for the input regions.

The processor 160 subsequently functions to assign each paymentmethod—corresponding to a received magnetic sequence command—to oneinput region on the payment card 100. In one implementation, theprocessor 160 receives a first magnetic sequence command correspondingto a first payment method and a second magnetic sequence commandcorresponding to a second payment method, and the processor 160subsequently associates the first magnetic sequence command with thefirst input region 131 (and therefore the first icon 111) and associatesthe second magnetic sequence command with the second input region 132(and therefore the second icon 112). In one example of thisimplementation, the processor 160 can receive an input on the firstinput region 131, correlate the input with a selection for the firstpayment method, and thus power the magnetic stripe emulator 140according to the first magnetic sequence command to enable payment withthe first payment method, as described below. Subsequently, theprocessor 160 can receive an input on the second input region 132,correlate the input with a selection for the second payment method, andthus power the magnetic stripe emulator 140 according to the secondmagnetic sequence command to enable payment with the second paymentmethod.

As described above, the processor 160 can receive a ranked set ofpayment methods, and the processor 160 can assign the correspondingmagnetic sequence commands according to their rankings. For example, thenative application can rank three payment methods, including a creditcard as a first payment method, a debit card as a second payment method,and a gift card as a third payment method, the processor 160 can receivethe ranked set of three payment methods, and the processor 160 canassign the set of payment methods to the first input region 131, thesecond input region 132, and a third input region accordingly. Asdescribed below, the native application executing on the mobilecomputing device can display a virtual representation of the inputregions of the payment card 100 and an overlay on top of each virtualinput region indicating the particular payment method assigned to eachparticular input region. The mobile computing device can thus functionas a remote display for the payment card 100 to provide visualinformation pertaining to payment methods assigned to various inputregions without necessitating a refreshable display within the paymentcard 100. However, the processor 160 can assign payment methods torespective input region in any other way or according to any other rank,schema, or process.

Thus, when a user taps on the payment card 100 and the processor 160wakes from a passive setting, the processor 160 can attempt wirelesscommunication with the mobile computing device through the wirelesscommunication module 120 to authenticate use of the payment card 100.Generally, the payment card 100 can be linked (i.e., paired) to themobile computing device, and the processor 160 can requireidentification of and communication with the mobile computing devicebefore enabling a payment function of the magnetic stripe emulator 140.For example, the payment card 100 can function under the assumptionsthat a valid user (i.e., a valid owner) of the payment card 100 willcarry both the payment card 100 and the mobile computing device on hisperson when attempting a transaction and that an invalid user (i.e., athief) of the payment card 100 may only have the payment card 100 andnot the mobile computing device paired with the payment card 100. Thus,the processor 160 can implement a level of security to preventfraudulent use of the payment card 100 by necessitating a connectionbetween two components of the payment system (i.e., the payment card 100and the mobile computing device) substantially likely to be carriedtogether by a valid user but substantially unlikely to be carriedtogether by an invalid user. Furthermore, when the payment card 100 andthe paired mobile computing device establish a wireless connection, thepayment card 100 can sync with the mobile computing device to downloadnew or updated payment method information (e.g., magnetic stripesequence commands) from the mobile computing device, such as in responseto an automatic sync'ing feature or a manual sync request.

Alternatively, if the processor 160 and the wireless communicationmodule 120 fail to establish a wireless connection with the mobilecomputing device, the processor 160 can suppress a payment function ofthe magnetic stripe emulator 140 (e.g., by suppressing power to themagnetic stripe emulator 140) to prevent use of the payment card 100 ina transaction. However, instances may occur in which a valid user haslost or forgotten the paired mobile computing device, the mobilecomputing device has ‘died’ or run out of battery charge, or ashort-range wireless communication (e.g., Bluetooth) function on themobile computing device is turned OFF, and the processor 160 can accountfor these situations by authorizing use of the payment card 100 with apasscode (e.g., a personal identification number or PIN) entereddirectly into the payment card 100. For example, the processor 160 canreceive a series of inputs entered into the input regions, compare theseries of inputs to a passcode stored on the payment card 100 (i.e., inmemory), and authenticate use of the payment card 100 if the series ofinputs matches the passcode. In this example, when a user first createsan account with the native application executing on the mobile computingdevice, the native application can display a virtual representation ofthe input regions on the display of the mobile computing device, promptthe user to enter a sequence of inputs on the input regions (e.g., asequence of four inputs), store the sequence of inputs as a personalpasscode for the user, and transmit the passcode to the payment card 100upon a subsequent sync event.

Alternatively, the processor 160 can implement similar methods tointerface with the transducer 150 to authenticate a series of taps on asurface of the sheet 110 as a passcode. For example, the processor 160can authenticate a specific number, sequence, and/or interval (e.g.,timing) of impulses on the sheet 110 as a passcode and thus unlock thepayment card 100 for use. However, the processor can implement any othermethod or technique to authenticate use of the payment card 100 throughan input, tap, or impulse on a surface of the sheet 110.

Therefore, the processor 160 can lock a payment function of the magneticstripe emulator 140 until the wireless communication module 120establishes a connection the mobile computing device or until a userenters a valid passcode directly into the payment card 100 via the inputregions. The processor 160 can thus enable security features of thepayment card 100 to prevent use of the payment card 100 by an invalid orunauthorized user but also to enable access to the payment function ofthe card for a valid user who is either carrying the paired mobilecomputing device or who knows the passcode. Furthermore, once a validpasscode is received, the processor 160 can control one or more visualelements within the payment card 100 to provide visual feedback to auser that the passcode was authenticated, such as by flashing a greenLED three times. Similarly, the processor 160 can flash a red LED threetimes if the passcode attempt was invalid. However, the processor 160,the input regions, and/or the wireless communicate module can cooperatein any other way to authenticate use of the payment card 100 for anupcoming payment.

Once the processor 160 authenticates use of the payment card 100 througha connection with the mobile computing device or through a validpasscode manually entered on the payment card 100, the processor 160 cancooperate with the input regions to receive a selection for a particularpayment method from a set of payment methods assigned to the inputregions. In one example, the processor 160 sets a first payment methodassigned to the first input region 131 as a default payment method suchthat, when swiped through a magnetic stripe reader, the processor 160controls the magnetic stripe emulator 140 according to the firstmagnetic sequence command associated with the first payment method.However, in this example, if the user selects the second input region132 assigned to the second payment method, the processor 160 can switchfrom a first payment mode corresponding to the first payment method to asecond payment mode corresponding to the second payment method.Subsequently, when the payment card 100 is swiped through a magneticstripe reader, the processor 160 can control the magnetic stripeemulator 140 according to the second magnetic sequence command to enablepayment through the second payment method.

The processor 160 can correlate a single input on a single input regionas a selection for a payment method assigned to the single input region,such as described above. In this implementation, the payment card 100can store magnetic sequence commands for a number of payment methodscorresponding to the number of input regions on the payment card 100.The processor 160 can further identity substantially simultaneous inputson two or more input regions as selection of an additional paymentmethod. For example, the processor 160 can identify substantiallysimultaneous inputs on the first input region 131 and the second inputregion 132 as selection of a third payment method.

In another implementation, the processor 160 can respond to one or moreinputs on the inputs regions by scrolling through a set of paymentmethods stored in memory on the payment card 100. The processor 160 canthus access and enable more payment methods than input regions on thepayment card 100. In one example, the processor 160 defaults to astandard mode, wherein each input region is associated with a singlepayment method in a set of preferred, default, or most-used paymentmethods, but switches to a scroll mode when the user depressed two ormore input regions for a threshold period of time. In the scroll modethe processor 160 can respond to an input on the first input region 132by scrolling upward through a list of stored payment methods, theprocessor 160 can respond to an input on the second input region 132 byscrolling downward through the list of stored payment methods, and theprocessor can respond to an input on a third input region by selecting aparticular payment method for subsequent emulation. Alternatively, theprocessor 160 can respond to a taps on the sheet 110 by scrollingthrough the list of stored payment methods. The processor 160 can alsointerface with the mobile computing device, via the wirelesscommunication module 120 to display a currently-selected payment methodand adjacent payment methods in the list of stored payment methods.

However, the processor 160 can assign payment methods to one or acombination of input regions in any other suitable way and can determineuser selection of a payment method through one or more input regionaccording to any other schema.

In applications in which the processor 160 has established a wirelessconnection with the mobile computing device through the wirelesscommunication module 120, the processor 160 can further transmit a userselection for a payment method to the mobile computing device throughthe wireless communication module 120. In one implementation, the nativeapplication executing on the mobile computing device manipulates thereceive payment method selection to provide visual feedback of a user'spayment method section. For example, the native application can displaya virtual representation of the payment card 100, including the firsticon 111 and the second icon 112, and highlight an icon corresponding tothe selected payment method, such as with a green border or boldtypeface. However, the processor 160 can transmit a payment methodselection to the mobile computing device in any other way, and thenative application executing on the mobile computing device can provideany other suitable type of feedback to a user in any other way.

Alternatively, the native application can receive a user selection for apayment method through the mobile computing device, such as through atouchscreen displaying a list of available payment methods or a virtualrepresentation of the payment card 100, including virtualrepresentations of the first and second icons assigned to a firstpayment method and a second payment method, respectively. The mobilecomputing device can then push the user payment method selection to thepayment card 100. However, the processor 160 can function in any otherway to receive a user payment method selection directly through an inputregion or indirectly through the mobile computing device.

Once a payment method is selected manually by a user or by default, theprocessor 160 can control the magnetic stripe emulator 140 according toa magnetic sequence command corresponding to the selected paymentmethod. Generally, as described above, the magnetic stripe emulator 140can include a set of coils and a coil drive circuit, and the processor160 can control the coil drive circuit to drive the set of coilsaccording to a magnetic sequence command. In one implementation and asdescribed above, the processor 160 and the magnetic stripe emulator 140cooperate to detect a read-head of a magnetic stripe reader, and theprocessor 160 can couple the magnetic stripe emulator 140 to theread-head of a magnetic stripe reader by stepping through the selectedmagnetic sequence command according to a position and/or velocity of thepayment card 100 relative to the read head.

As described above, the processor 160 can cooperate with the magneticstripe emulator 140 to detect a local read head of a magnetic stripereader. The processor 160 can also cooperate with the magnetic stripeemulator 140 to detect a speed or velocity of the magnetic stripeemulator 140 along the read head. In one implementation, once a localread head is detected, the processor 160 steps through bits specified ina magnetic sequence command according to a speed of the magnetic stripeemulator 140 moving along the read head. In this implementation, theprocessor 160 can determine a speed of the payment card 100 along theread head, calculate a magnetic stripe emulator bit rate by multiplyingthe speed of the card by a standard magnetic stripe bit density, andstep through the magnetic sequence command (i.e., control the magneticstripe emulator 140) according to the magnetic stripe emulator 140 bitrate. For example, the magnetic sequence command can include Track2-type data with a bit density of seventy-five bits per inch, theprocessor 160 can estimate a speed of the payment card 100 along theread head of two inches per second, calculate a magnetic stripe emulatorbit rate of 150 bits per second, and control the magnetic stripeemulator 140 to step through 150 bits per second. The processor 160 canalso select a magnetic stripe emulator bit rate that is faster than aproduct of the estimated payment card speed and the magnetic stripe bitdensity to ensure the magnetic sequence is fully output before thepayment card 100 exits the magnetic stripe reader. As in the foregoingexample, the processor 160 can set a magnetic stripe emulator bit ratethat of 165 bits per second, which is ten percent greater than theproduct of the estimated payment card speed and bit density.

As shown in FIG. 2A, the payment card 100 can additionally oralternatively include one or more discrete read head sensors 148arranged within the sheet 110 and configured to detect a read head of amagnetic stripe reader, and the processor 160 can cooperate with the oneor more read head sensors 148 to couple the magnetic stripe emulator 140to the magnetic stripe reader. The processor 160 can also interface withan accelerometer, gyroscope, Hall effect sensor, or other sensor withinthe payment card 100 to detect a read head and/or to determine a speedof the payment card 100 along a read head. However, the processor 160can control the magnetic stripe emulator 140 in any other suitable wayand according to any other schema.

Once payment through the payment card 100 is authenticated and/or once auser selects a payment method, the processor 160 can set a paymenttimer, such as a two-minute or a five-minute timer. Upon expiration ofthe payment timer, the processor 160 can cut power to the magneticstripe emulator 140, return to the passive setting, or otherwiseterminate a payment function of the payment card 100. Alternatively,once the payment card 100 is swept through a magnetic stripe readerduring a transaction, the processor 160 can terminate the paymentfunction of the payment card 100. Similarly, once the payment card 100is swept through a magnetic stripe reader during a transaction, theprocessor 160 can initiate a payment timer, such as a ten-second orone-minute timer, wherein the processor 160 withdraws the paymentfunction of the payment card 100 and returns to the passive setting ifan additional swipe is not attempted prior to expiration of the timer.However, the processor 160 can discontinue the payment function of thepayment card 100 and/or return to the passive state in any other way andaccording to any other trigger or timer.

As shown in FIG. 2A, one variation of the payment card 100 includes aflexible circuit board 180 board arranged within the sheet 110. Asdescribed above and shown in FIG. 2B, the flexible circuit board 180 canbe sandwiched between two layers of the sheet 110 and can includetraces, contacts, and/or via to communicate analog and/or digitalsignals between various electronic components of the payment card 100.The flexible circuit board 180 can include a fiberglass, silicone, orpolymer substrate or a substrate of any other suitable material. Theflexible circuit board 180 can also be substantially thin and caninclude cavities or recesses to receive analog circuit components (e.g.,resistors, capacitors) and/or integrated circuits (e.g., amicroprocessor, a voltage regulator) such that the maximum height of theflexible circuit board 180 with components installed does not exceed athickness of a standard plastic bank card. Furthermore, electricalcomponents installed on the flexible circuit board 180 can excludepotting material in order to minimize component size (i.e., height). Forexample, the processor 160 can be a microprocessor including multiple(e.g., thousands or millions of) transistors fabricated on a siliconewafer, trimmed, shaved, and installed on the flexible circuit board 180without encasement in a potting material. However, the flexible circuitboard 180 can be of any other material, can be of any other geometry,include any other feature, and/or function in any other way toelectrically couple various components of the payment card 100.

As shown in FIG. 2A, one variation of the payment card 100 furtherincludes a battery 170 arranged within the sheet 110 and electricallycoupled to the processor 160 via the flexible circuit board 180 board.Generally, the battery 170 functions to power the processor 160, thewireless communication module 120, the magnetic stripe emulator 140, andother components of the payment card 100. The battery 170 can besubstantially thin. The battery 170 can include multiple cells that areflexible by nature of their thin cross-sections, or the battery 170 caninclude multiple cells with gaps therebetween such that the battery 170can flex across the gaps. The battery 170 can be sandwiched between twolayers of the sheet 110 adjacent the flexible circuit board 180, mountedon the flexible circuit board 180, or arranged in any other way withinthe payment card 100. The battery 170 can be a lithium-ion,lithium-polymer, NiCd, or any other suitable type of battery and can berechargeable or non-rechargeable. The processor 160 can also sense aremaining charge on the battery 170 and output battery level feedback toa user, such as by flashing an LED within the sheet 110 accordingly tocurrent battery level. Alternatively, the wireless communication module120 can transmit battery status to the native application executing onthe mobile computing device to display battery information for the user.

As shown in FIGS. 3 and 4, one variation of the payment card 100 furtherincludes a display 190 visible through a layer of the sheet 110. Forexample, the display can include an e-paper or e-ink display. Thedisplay can output alphanumeric characters corresponding to a cardnumber of a selected payment method, a CCV of a selected payment method,a cardholder's (i.e., the user's) name, payment method assignments toinput regions, or any other relevant data pertaining to a user, apayment method, or a function of the payment card 100.

However, the payment card 100 can also include any other component andcan function in any other way to consolidate multiple payment sourcesinto one payment card with a magnetic stripe emulator configured tooutput a magnet form of bits to mimic static magnetic stripes of variousstandard plastic bank cards.

In addition or as an alternative to the magnetic stripe emulator 140,the payment card 100 can include a near-field communication (NFC) tagemulator, a radio-frequency identification (RFID) tag emulator, and/orany other payment authorization protocol emulator. For example, thepayment card 100 can include rewriteable NFC tag, the processor 160 canstore NFC commerce transaction identifiers for a set of NFC-basedpayment methods, and the processor 160 can rewrite the NFC tag with aNFC commerce transaction identifier for a selected payment method. Inanother example, the payment card 100 can include an RFID readerdetector and an RFID tag emulator, the processor 160 can store RFIDcommerce transaction identifiers for a set of RFID-based paymentmethods, the processor 160 can cooperate with the RFID reader detectorto detect a local RFID reader, and the RFID tag emulator can output aRFID commerce transaction identifier for a selected RFID payment method.However, the payment card 100 can include and implement any otherpayment authorization protocol emulator, and any of the foregoing andsubsequent methods can be implemented to enable consolidation of one ormore plastic bank card, NFC, RFID, and/or gift card payment methods on asingle payment card.

2. First Method

As shown in FIGS. 6 and 8, first method S100 for controlling a paymentcard including a magnetic stripe emulator, a first input region, and asecond input region, includes: establishing a wireless connection withthe payment card 100 in Block S110; transmitting a first magneticsequence command to the payment card 100 over the wireless connection inBlock S120, the first magnetic sequence command associated with a firstpayment method assigned to the first input region 131; transmitting asecond magnetic sequence command to the payment card 100 over thewireless connection in Block S130 the second magnetic sequence commandassociated with a second payment method assigned to the second inputregion 132; and on a digital display, displaying virtual representationsof the first input region 131 and the second input region 132 on thepayment card 100 in Block S140, a visual identifier of the first paymentmethod displayed proximal the virtual representation of the first inputregion 131, and a visual identifier of the second payment methoddisplayed proximal the virtual representation of the second input region132.

Generally, first method S100 functions to enable a remote visualinterface for the payment card 100 described above. In oneimplementation, first method S100 can be implemented through a nativeapplication executing on a mobile computing device (e.g., a smartphone,a tablet), as described above. The payment card 100 described above canstore a set of payment methods and enable payment with a payment methodselected from the set of payment methods through a magnetic stripeemulator, and the payment card 100 can download different sets ofpayment methods over time and assign various payment methods to eachinput region over time. However, because the payment card 100 may omit arefreshable display, a mobile computing device paired with the paymentcard 100 can implement first method S100 to provide visual feedback ofpayment methods assigned to each input region (or combination of inputregions) on the payment card 100.

In one example, a user attempting to make a payment with a paymentmethod stored on the payment card 100 can wake the payment card 100 bytapping the payment card 100 as described above, the payment card 100and the mobile computing device paired with the payment card 100 canestablish a wireless connection, the mobile computing device cantransmit a first payment method and a second payment to the payment card100, and the mobile computing device can display a virtualrepresentation of the payment card 100 including the first input region131 and the second input region 132 (and/or the first icon 111 and thesecond icon 112) with a visual representation of the first paymentmethod overlaid over the first icon 111 and a visual representation ofthe second payment method overlaid over the second icon 112 according topayment methods assigned to each input region of the payment card 100.In this example, the user can thus reference the virtual representationof the payment card 100 displayed on the mobile computing device toidentify what payment methods are available in the payment card 100 andwhich payment method is assigned to each input region on the paymentcard 100.

Block S110 of first method S100 recites establishing a wirelessconnection with the payment card 100. As described above, once theprocessor 160 in the payment card 100 wakes from a passive setting to anactive setting, the processor 160 can control the wireless communicationmodule 120 to search for, identify, and connect with a paired mobilecomputing device. In Block S110, a wireless module within the mobilecomputing device can cooperate with the wireless communication module120 within the payment card 100 to establish the wireless connection.For example, the payment card 100 and the mobile computing device cancommunicate over Bluetooth communication protocol or any otherradio-frequency-type wireless communication protocol. Alternatively, asdescribed above, the mobile computing device can implement Block S110 bycommunicating with the payment card 100 over an optical- or sound-basedcommunication channel. As described above, Block S110 can toggle a setof pixels on a display of the mobile computing device between black andwhite settings to optically transmit bits (i.e., data) to the paymentcard 100. Alternatively, as described above, Block S110 can control anaudio driver (e.g., a speaker) to transmit audio signals includingpayment method data. However, Block S110 can establish communicationwith the payment card 100 through any other suitable communicationprotocol over any other communication channel or pathway.

Block S120 of first method S100 recites transmitting a first magneticsequence command to the payment card 100 over the wireless connection,the first magnetic sequence command associated with a first paymentmethod assigned to the first input region 131. Similarly, Block S130 offirst method S100 recites transmitting a second magnetic sequencecommand to the payment card 100 over the wireless connection, the secondmagnetic sequence command associated with a second payment methodassigned to the second input region 132. As described above, the mobilecomputing device can implement Block S120 by transmitting a set ofpayment methods to the payment card 100 over Bluetooth, over anotherradio-frequency-type communication protocol, through an opticalconnection, through an audio-based connection, or over any othersuitable wireless communication protocol or communication channel.

As described, Blocks S120 and S130 can transmit requisite paymentinformation for each payment method, such as a magnetic sequence commandspecifying a series of bits implementable magnetically through themagnetic stripe emulator 140 of the payment card 100 to imitate a staticmagnetic stripe of a corresponding plastic bank card.

Blocks S120 and S130 can also transmit a payment method rank to thepayment card 100, wherein the payment rank defines a particular paymentmethod as a default payment method. For example, Blocks S120 and S130can specify the first payment method as the default payment method suchthat if a user does not select an alternative payment method through oneor more input regions on the payment card 100, the payment card 100 willdefault to payment with the default (i.e., first) payment method.

Blocks S120 and S130 can additionally or alternatively transmit paymentmethod assignments for each input region to the payment card 100. Forexample, Blocks S120 and S130 can receive a manual selection of paymentmethods from a user or automatically select a set of payment methodsstored in the native application executing on the mobile computingdevice, assign one payment method in the set of payment methods to eachinput region on the payment card 100, and transmit the assignments tothe card in conjunction with the magnetic sequence commands for eachpayment method in the set of payment methods. Thus, Blocks S120 and S130can maintain a current list of payment method assignments for each inputregion on the card, and Block S130 can implement the list of paymentmethod assignments to update the virtual representation of the paymentcard 100 including visual identifiers of the assigned payment methods.However, Blocks S120 and S130 can transmit any other suitable command,data, or specification to the payment card 100 in addition to a magneticstripe sequence of one or more selected payment methods.

Block S120 and Block S130 can further encrypt and/or decryptcommunications with the payment card 100, such as by implementing one ormore authentication and/or encryption schema. For example, Blocks S120and S130 can implement cryptographic protocols such as Diffie-Hellmankey exchange or Wireless Transport Layer Security (WTLS). Blocks S120and S130 can additionally or alternatively encrypt data according to anencryption standard such as Data Encryption Standard (DES), Triple DataEncryption Standard (3-DES), or Advanced Encryption Standard (AES). Thepayment card 100 can similarly encrypt and/or decrypt communicationswith the mobile computing device. However, Blocks S120 and S130 (and thepayment card 100) can implement any other security or encryption methodsto protect private or sensitive user or banking information.

Block S140 of first method S100 recites, on a digital display,displaying a virtual representation of the first input region 131 andthe second input region 132 on the payment card 100, a visual identifierof the first payment method proximal the virtual representation of thefirst input region 131, and a visual identifier of the second paymentmethod proximal the virtual representation of the second input region132. Generally, Block S140 functions to provide visual feedback ofpayment method assignments for the input regions on the payment card 100through a refreshable display incorporated into the mobile computingdevice.

As shown in FIG. 8, in one implementation, Block S140 displays a virtualimage of the payment card 100 with both a descriptor of the firstpayment method arranged over a portion of the virtual imagecorresponding to the first input region 131 and a descriptor of thesecond payment method arranged over a portion of the virtual imagecorresponding to the second input region 132. The descriptor for eachpayment method can include a stock image, such as a brand image of acredit card issuer, a banking institution, or a credit card rewardsprogram. For example, when a user uploads a plastic bank card into thenative application executing on the mobile computing device, the nativeapplication can identify a rewards program associated with the plasticbank card, and Block S140 can automatically download a correspondingstock image for the rewards program from a remote server (i.e., over theInternet) and display the stock image over a virtual representation ofcorresponding input region of the payment card 100. Alternatively, whena user uploads a plastic bank card into the native application executingon the mobile computing device, the native application can prompt theuser to supply a description of the plastic bank card (e.g., through avirtual keyboard displayed on a touch display of the mobile computingdevice), and Block S140 can display the description proximal a virtualrepresentation of corresponding input region of the payment card 100.Similarly, when a user uploads a plastic bank card into the nativeapplication executing on the mobile computing device, the nativeapplication can prompt the user to select a stock textual or visualidentifier of the plastic bank card, and Block S140 can display theidentifier adjacent a virtual representation of corresponding inputregion of the payment card 100. However, Block S140 can function in anyother way to display a virtual representation of the payment card 100and identifiers of payment methods assigned to each input region of thepayment card 100.

As shown in FIG. 7, one variation of first method S100 includes BlockS150, which recites receiving a selection on the first input region 131of the payment card 100 over the wireless connection and highlightingthe visual identifier of the first payment method within the virtualrepresentation of the payment card 100. Generally, Block S150 functionsto update the virtual representation of the input regions andcorresponding payment methods to indicate which payment method iscurrently enabled on the payment card 100. For example, Block S150 canhighlight, expand, embolden, alter a color or, or other visually modifythe identifier displayed proximal a virtual representation of an inputregion corresponding to the payment method currently selected for anupcoming transaction.

In one implementation, once a transaction with the payment card 100 isauthenticated, such as described above, the mobile computing deviceimplements Block S150 by displaying a first colored (e.g., green) borderaround a virtual representation of an input region corresponding to adefault payment method. If and when a user selects an alternativepayment method by touching an input region corresponding to an otherpayment method, the payment card 100 can transmit the selection for theother payment method to the mobile computing device, and the mobilecomputing device can remove the first colored border and instead displaya second colored (e.g., green) border around a virtual representation ofan input region corresponding to the other payment method. However,Block S150 can function in any other way to provide visual feedback fora selection of a payment method through the payment card 100.

3. Second Method

As shown in FIGS. 9 and 11, second method S200 for controlling a paymentcard including a magnetic stripe emulator and a set of input regionsincludes: receiving a tap input on a surface of the payment card 100 inBlock S210; in response to receiving the tap input, attempting wirelesscommunication with a mobile computing device in Block S220; suppressinga payment function of the magnetic stripe emulator 140 in response tofailed wireless communication with the mobile computing device in BlockS230; receiving a series of inputs through the set of input regions inBlock S240; authenticating the series of inputs as a passcode in BlockS250; and in response to authenticating the series of inputs as thepasscode, enabling the payment function of the magnetic stripe emulator140 in Block S260.

Generally, second method S200 can be implemented through the paymentcard 100 described above as a security measure to prevent fraudulent useof the payment card 100. As described above, the payment card 100 can bepaired with a mobile computing device, and because a verified user maycarry both the payment card 100 and the mobile computing device but afraudulent user may only have access to the payment card 100, onceactivated, the payment can attempt to communicate with the paired mobilecomputing device to authenticate use of the payment card 100. However,if the payment card 100 fails to establish a connection with the mobilecomputing device, the payment card 100 can implement second method S200to receive a passcode and authenticate use of the payment card 100.

Block S210 of second method S200 recites receiving a tap input on asurface of the payment card 100. As described above, the processor 160of the payment card 100 can implement Block S210 by receiving a voltagespike from a transducer (e.g., a piezoelectric transducer) in responseto an impulse on the payment card 100 that deforms the sheet 110 of thepayment card 100 and thus the transducer 150. The ‘tap’ or impulse canthus transition the payment card 100 to an active setting. However,Block S210 can handle a tap or impulse on the payment card 100 in anyother suitable way.

Block S220 of second method S200 recites, in response to receiving thetap input, attempting wireless communication with a mobile computingdevice. As described above, the processor 160 and the wirelesscommunication module 120 of the payment card 100 can cooperate to detecta paired mobile computing device. Once the mobile computing device isdetected, the processor 160 can attempt to establish a wirelessconnection with the mobile computing device by transmitting an inquiryfor the mobile computing device paired through the wirelesscommunication module 120. Block S220 can make a predefined number ofattempts to connect to the mobile computing device, such as two or fiveattempts, prior to switching to an idle setting and transitioning toBlock S230. However, Block S220 can attempt communication with thepaired mobile computing device in any other suitable way.

Block S230 of second method S200 recites suppressing a payment functionof the magnetic stripe emulator 140 in response to failed wirelesscommunication with the mobile computing device. Generally, Block S230functions to block the magnetic stripe emulator 140 of the payment card100 from implementing a magnetic stripe sequence of a payment method, asdescribed above. For example, Block S230 can maintain a coil of themagnetic stripe emulator 140 in an unpowered setting. In oneimplementation, Block S230 suppresses the payment function of themagnetic stripe emulator 140 in response to a predefined number offailed attempts to pair with the mobile computing device that includes aunique wireless communication address, as described above.

Alternatively, Block S230 can suppress the payment function of themagnetic stripe emulator by communicating a ‘void payment’ command to apayment processing company that handles payment transactions throughplastic banking cards. For example, Block S230 can establish a wirelessInternet connection (e.g., via a Bluetooth connection with an externalInternet-enabled electronic device) and transmit the ‘void payment’command to a server hosted by the payment processing company such thatthe payment processing company can void a transaction attempted with thebanking card 100. However, Block S230 can function in any other way towithdraw or suppress a payment function of the payment card 100.

Block S240 of second method S200 recites receiving a series of inputsthrough the set of input regions, and Block S250 of second method S200recites authenticating the series of inputs as a passcode. Generally,Block S240 captures a set of inputs, such as four discrete inputs,across the input regions of the payment card 100, and Block S250compares the set of inputs to a stored passcode to authenticate use ofthe payment card 100 if authentication through a connection with thepaired mobile computing device fails. As described above, a user can seta passcode to unlock the payment card 100 into an interface with thenative application executing on the mobile computing device, the mobilecomputing device can transmit the passcode to the payment card 100, andthe payment card 100 can store the passcode in memory. Once Block S240captures the set of inputs entered by the user, Block S250 can match asequence of the set of inputs with a stored sequence of inputs definingthe passcode to authenticate use of the payment card 100. However, BlockS240 and Block S250 can function in any other way to capture andauthenticate a series of inputs as a valid passcode.

Block S260 of second method S200 recites, in response to authenticatingthe series of inputs as the passcode, enabling the payment function ofthe magnetic stripe emulator 140. In one implementation, the processor160 implements Block S250 to verify a passcode entered by a user, andthe processor 160 subsequently implements Block S260 to power themagnetic stripe emulator 140 according to a default or selected paymentmethod when the payment card 100 is passed through a magnetic stripereader (shown in FIG. 5).

As shown in FIG. 10, one variation of second method S200 includes BlockS270, which recites receiving a selection of a particular input region,in the set of input regions, assigned to a particular payment method.Generally, Block S270 functions to capture user selection of aparticular payment method, from a set of payment methods stored on thepayment card 100, through one or more input regions on the payment card100. However, Block S270 can function in any other way to receive apayment method selection from a user.

In response to receiving a payment method selection from a user, BlockS260 can enable the payment function of the magnetic stripe emulator 140by powering a coil of the magnetic stripe emulator 140 according to amagnetic sequence command associated with the particular payment method,as described above. For example, the processor 160 can implement BlockS260 by outputting a control signal to the coil driver circuit 142,which can generate magnetic polarity changes corresponding to themagnetic stripe sequence of the selected payment method, as shown inFIG. 11. However, Block S260 and Block S270 can function in any otherway to receive and to implement a payment method selection entered by auser.

As shown in FIG. 10, one variation of second method S200 furtherincludes Block S280, which recites transitioning the coil of themagnetic stripe emulator 140 to an unpowered setting after a thresholdperiod of time. Generally, Block S280 functions to transition thepayment card 100 to an inactive state in which the payment card 100 cannot be used to provide payment information. In one implementation and asdescribed above, the processor 160 can set a payment timer once paymentthrough the payment card 100 is authenticated, once a payment method isselected by a user, or once the payment card 100 is swept through amagnetic stripe reader during a transaction, etc. In this variation, theprocessor 160 can maintain payment functionality of the payment card 100until expiration of the timer, at which point the processor 160implements Block S280 to withdraw the payment function of the paymentcard 100 and transition the payment card 100 to the passive setting.However, Block S280 can function in any other way to shutdown thepayment card 100 after a threshold period of time or in response to anyother time, timer, or trigger.

4. Third Method

As shown in FIGS. 12 and 13, third method S300 for controlling a paymentcard including a magnetic stripe emulator, a first input region, and asecond input region includes: receiving a tap input on a surface of thepayment card 100 in Block S310; in response to receiving the tap input,establishing a wireless connection with a mobile computing device inBlock S320; receiving a first magnetic sequence command and a secondmagnetic sequence command from the mobile computing device in BlockS330, the first magnetic sequence command associated with a firstpayment method, the second magnetic sequence command associated with asecond payment method; assigning the first payment method to the firstinput region 131 in Block S340; assigning the second payment method tothe second input region 132 in Block S350; receiving a selection for thesecond payment method through the second input region 132 in Block S360;and, in response to receiving the selection for the second paymentmethod, driving the magnetic stripe emulator 140 according to the secondmagnetic sequence command in Block S370.

Generally, third method S300 can be implemented through the payment card100 described above as a security measure to prevent fraudulent use ofthe payment card 100. As described above, the payment card 100 can bepaired with a mobile computing device, and because a verified user maycarry both the payment card 100 and the mobile computing device but afraudulent user may only have access to the payment card 100, onceactivated, the payment can implement third method S300 to establish awireless connection with the paired mobile computing device, therebyauthorizing use of the payment card 100 for a subsequent payment.

Block S310 of third method S300 recites receiving a tap input on asurface of the payment card 100. Generally, Block S310 can function asBlock S210 described above to transition from an inactive (i.e.,passive) setting to an active setting in which the magnetic stripeemulator 140 of the payment card 100 outputs a series of bitsmagnetically to mimic a static magnetic stripe of a plastic bank card.For example, the processor 160 can implement Block S310 to transitionfrom a passive mode to an active mode in response to a voltage outputfrom the transducer 150 arranged within the payment card 100.

Block S320 of third method S300 recites, in response to receiving thetap input, establishing a wireless connection with a mobile computingdevice. Generally, Block S320 functions similar to Block S220 describedabove to detect and identify a paired mobile computing device. However,if Block S320 detects the paired mobile computing device, Block S320 canfurther establish the wireless connection with the mobile computingdevice. For example, Block S320 can transmit an inquiry for the mobilecomputing device and can pair the payment card 100 to the mobilecomputing device over the wireless connection, as shown in FIG. 13.However, Block S320 can function in any other way to communicatewirelessly with the paired mobile computing device.

Block S330 of third method S300 recites receiving a first magneticsequence command and a second magnetic sequence command from the mobilecomputing device, the first magnetic sequence command associated with afirst payment method, the second magnetic sequence command associatedwith a second payment method. In one implementation described above inwhich the payment card 100 and the mobile computing device establish aradio-frequency-based wireless connection, Block S330 can receivemagnetic sequence commands for the set of payment methods though radiocommunications. In another implementation described above, the mobilecomputing device can output a series of optical signals (e.g., black andwhite or high and low light pulses) in the direction of the payment card100, and the payment card 100 can implement Block S330 to receive anddecode the optical signals into magnetic sequence commands for the setof payment methods. For example, Block S330 can receive the opticalsignals through a photodiode or through a photoresistor. Similarly, inthe implementation described above in which the mobile computing deviceoutputs a series of audio signals (e.g., from a speaker or audiodriver), the payment card 100 can implement Block S330 to receive anddecode the audio signals into magnetic sequence commands for the set ofpayment methods. For example, Block S330 can record a series of audiopulses through a transducer arranged within the payment card 100 and cancorrelate the first magnetic sequence command from the series of audiopulses.

As described above, Block S330 can also receive a ranking for thepayment methods, payment method assignments for the input regions, orany other suitable or relevant information pertaining to the paymentmethods. Block S330 can also receive encrypted payment method data, andBlock S330 can further function to decrypt the received data. However,Block S330 can function in any other way to receive and/or processinformation for one or more payment methods.

Block S340 of third method S300 recites assigning the first paymentmethod to a first input region in the set of input regions. Similarly,Block S350 of third method S300 recites assigning the second paymentmethod to a second input region in the set of input regions. Generally,Block S340 and Block S350 function to assign one input region to onepayment method such that selection of a particular input region triggersthe payment card 100 to emulate the corresponding payment method (i.e.,a magnetic stripe of a corresponding plastic bank card). Block S340 andBlock S350 can also assign a set of input regions to one payment methodto enable selection of more payment methods than number of input regionson the card.

In one implementation, Block S340 stores the first magnetic sequencecommand of the first payment method in a stack in computer memory andassigns an address of the first magnetic sequence command to the firstinput region 131. Similarly in this implementation, Block S350 storesthe second magnetic sequence command of the second payment method in astack in computer memory and assigns an address of the second magneticsequence command to the second input region 132. However, Block S340 andBlock S350 can store and assign magnetic sequence commands for variouspayment methods in any other suitable way.

Block S340 and Block S350 can assigned each magnetic sequence command toan input region in order that each is received. Alternatively, BlockS340 and Block S350 can assign the payment methods according to apayment method rank received from the mobile computing device, asdescribed above. Furthermore, Block S340 can set the first paymentmethod as a default payment method, as described above, such that thepayment card 100 defaults to emulating the first payment method when apayment is attempted through the card if a user fails to select an inputregion corresponding to another payment method. However, Block S340 andBlock S350 can selectively assign each payment method to one or moreinput regions in any other way or according to any other schema.

Block S360 of third method S300 recites receiving a selection for thesecond payment method through the second input region 132. Generally,Block S360 functions to receive an input through a particular inputregion on the payment card 100 and to ‘arm’ the payment card 100 toimplement the magnetic sequence command of the particular paymentmethod. In one example, Block S360 receives an input on the surface ofthe payment card 100 proximal the second input region 132 that includesa capacitive touch sensor and switches from a default payment modespecifying the first payment method to a manual payment selection modethat specifies the second payment method.

In one implementation in which Block S240 and Block S250 store the firstand second magnetic sequence commands in a stack in computer memory andassign addresses of the magnetic sequence command to respective inputregions, Block S360 can set a pointer within the stack to a particularaddress in response to a selection on a corresponding input region.However, Block S360 can function in any other way to receive andimplement selection of a payment method through a corresponding inputregion on the payment card 100.

Block S370 of third method S300 recites, in response to receiving theselection for the second payment method, driving the magnetic stripeemulator 140 according to the second magnetic sequence command.Generally, Block S370 functions to implement a magnetic sequence commandof a selected or default payment method through the magnetic stripeemulator 140 of the payment card 100 to mimic a plastic bank card whenuse of the payment card 100 is attempted.

As described above, Block S370 can detect a magnetic stripe reader andpower one or more coils of the magnetic stripe emulator 140 according tothe default or selected magnetic sequence command according to a speedand/or position of the magnetic stripe emulator 140 relative to a readhead of the magnetic stripe reader. Block S370 can therefore function tomagnetically couple the magnetic stripe emulator 140 to the magneticstripe reader and control a magnetic polarity of the magnetic stripeemulator 140 accordingly. However, Block S370 can function in any otherway to control the magnetic stripe emulator 140 of the payment card 100,thereby enabling payment with a selected payment method through thepayment card 100.

5. Fourth Method

As shown in FIGS. 14 and 15, fourth method S400 for controlling apayment card including a magnetic stripe emulator, a first input regionassigned a first payment method, and a second input region assigned asecond payment method includes: authorizing use of the payment card 100in Block S410; initiating a timed payment mode comprising a paymenttimer in Block S420; receiving a selection for the first payment methodthrough the first input region 131 in Block S430, the first paymentmethod associated with a first magnetic sequence command stored inmemory; in response to receiving the selection for the first paymentmethod, enabling a payment function of the magnetic stripe emulator 140with the first magnetic stripe command in Block S440; locking thepayment function of the magnetic stripe emulator 140 against an input onthe second input region 132 to select the second payment method in BlockS450; and disabling a payment function the magnetic stripe emulator 140in response to expiration of the payment timer in Block S460.

Generally, fourth method S400 can be implemented through the paymentcard 100 described above to “lock” a selected payment method to the cardfor a specified period of time. Fourth method S400 can therefore beuseful during periods in which an owner of the payment card 100 ‘handsoff’ the payment card 100 to another individual to make a payment. Forexample, fourth method S400 can be implemented through the payment card100 when a user (i.e., the owner of the payment card 100) hands thepayment card 100 to a waiter following a meal at a restaurant. In thisexample, fourth method S400 can lock a particular payment methodselected by the user to avoid incidental selection of an alternativepayment method when the waiter handles the payment card 100.

Block S410 of fourth method S400 recites authorizing use of the paymentcard 100. In one implementation, Block S410 can implement Blocks ofsecond method S200 described above by establishing a wireless connectionwith a paired mobile computing device and authorizing use of the paymentcard 100 based on the wireless connection. For example, Block S410 canreceive a tap input on a surface of the payment card 100, transmit aninquiry for a mobile computing device paired to the payment card 100,and establish a wireless connection with a mobile computing device toauthenticate use of the payment card 100. Additionally or alternatively,Block S410 can implement Blocks of third method S300 described above byreceiving a series of inputs on the input regions of the card andmatching the series of inputs to a passcode to authenticate use of thepayment card 100. For example, Block S410 can receive a tap input on asurface of the payment card 100, receive a series of inputs through thefirst input region 131 and the second input region 132, and authenticatethe series of inputs as a valid passcode to enable use of the paymentcard 100. As described above, Block S410 can control a visual indicatorwithin the payment card 100 (e.g., an LED) or displayed on the mobilecomputing device through the native application to indicate to a userthan that payment card has been authenticated. However, Block S410 canfunction in any other way to authenticate use of the payment card 100 ina subsequent transaction.

Block S420 of fourth method S400 recites initiating a timed paymentmode, as shown in FIG. 15. Generally, Block S420 functions to transitionthe payment card 100 into the timed payment mode in which a selectedpayment method is “locked in” (i.e., cannot be changed) for a period oftime. In one implementation, the native application executing on themobile computing device receives an input from a user specifying thetimed payment mode, and Block S420 receives a corresponding timedpayment mode request from the mobile computing device. Thus, in thisimplementation, the mobile computing device and/or the nativeapplication can function as an external control unit for the paymentcard 100.

In another implementation, Block S420 receives a series of inputsthrough the first input region 131 and the second input region 132 andidentifies the series of inputs as a timed payment mode request. In thisimplementation, Block S410 can first receive passcode enter by a userthrough the input regions to authenticate use of the payment card 100 orauthenticate use of the payment card 100 by establishing a wirelessconnection with the mobile computing device, and Block S420 cansubsequently receive a second series of inputs corresponding to a timedpayment request. Alternatively, Block S410 and Block S420 can cooperateto receive a single passcode that both authenticates use of the paymentcard 100 and selects the timed payment mode as a current operating modeof the payment card 100. For example, the payment card 100 can beconfigured to receive a first passcode (e.g., 1212) to authenticate useof the payment card 100 through a standard operating mode in whichpayment methods can be selected at whim and the payment card 100 becomesinactive after a period of inactivity (e.g., one minute without a swipethrough a magnetic stripe reader), and the payment card 100 can also beconfigured to receive a second passcode (e.g., 1122) to authenticate useof the payment card 100 through the timed payment mode in which aselected payment method is locked to the card and the payment card 100becomes inactive after a predetermined period of time.

Block S420 can initiate the timed payment mode once a request to enterthe timed payment mode is entered by a user by triggering a paymenttimer of a set period of time. In this implementation, Block S430 cansubsequently receive a selection for a payment method, Block S440 canenable a payment function of the payment card 100 with the selectedpayment method, and Block S460 can withdraw the payment function of thepayment card 100 once the payment timer expires (i.e., after the setperiod of time transpires).

Alternatively, Block S420 can initiate the timed payment mode once BlockS430 receives a selection of a payment more from a user. In thisimplementation, Block S430 can receive a payment method selection, BlockS420 can initiate the payment timer, Block S440 can enable the paymentfunction of the payment card 100 with the selected payment method, andBlock S460 can subsequently withdraw the payment function of the paymentcard 100 once the payment timer expires. In this implementation, BlockS420 can initiate the timed payment mode by setting the payment timer,and Block S430 can trigger the payment timer once a selection for apayment method is entered.

Block S420 can specify a default timer length for the payment timer,such as five minutes. Block S420 can also sync with the mobile computingdevice and retrieve a suggested timer length from the mobile computingdevice. For example, the mobile computing device can estimate an optimumtimer length based on a time of day, a location of the user (e.g.,determined by a global positioning system sensor in the mobile computingdevice), a preference of the user, etc., and Block S420 can retrieve theestimated optimum timer length from the mobile computing device.Alternatively, Block S420 can receive a user input to control the lengthof the payment timer. For example, Block S420 can receive a user inputrequesting the timed payment mode, control a visual indicator within thepayment card 100 (e.g., an LED) or displayed on the mobile computingdevice through the native application to provide visual feedback thatthe payment card 100 is in the timed payment mode, receive a subsequentinput through the payment card 100 or through the mobile computingdevice specifying a length of the time, and then set the length of thetimer according to the user input. However, Block S420 can function inany other way to initiate the timed payment mode.

Block S430 of fourth method S400 recites receiving a selection for thefirst payment method through the first input region 131, the firstpayment method associated with a first magnetic sequence command storedin memory. Generally, Block S430 functions like Block S360 describedabove to receive an input on an input region and to correlate the inputwith a selection for a payment method assigned to the input region. Asdescribed above, Block S430 can receive a selection for a particularpayment method through a physical input region arranged on the paymentcard 100 and/or through a virtual input region displayed on atouchscreen or other display of a paired mobile computing device.However, Block S430 can function in any other way to capture a userselection for a payment method. As described above, Block S430 can alsofunction to trigger the payment timer once a user selection for apayment method is captured. Block S430 can also provide visual feedbackof the payment selection through the payment card 100 (e.g., bycontrolling an LED within the payment card 100) or through the nativeinterface executing on the mobile computing device.

Block S440 of fourth method S400 recites, in response to the selectionfor the first payment method, enabling a payment function of themagnetic stripe emulator 140 through implementation of the firstmagnetic stripe command. Generally, Block S440 functions like Block S260and Block S370 to drive the magnetic stripe emulator 140 according to amagnetic sequence command corresponding to the selected and “locked”payment method. For example and as described above, Block S440 candetect a magnetic stripe reader and power the magnetic stripe emulator140 according to the first magnetic sequence command and a positionand/or speed of the magnetic stripe emulator 140 relative to a read headof a magnetic stripe reader. Block S440 can also provide visual feedbackthrough the payment card 100 or through the mobile computing device thatthe payment function of the payment card 100 is active. However, BlockS440 can function in any other way to enable a payment function of thepayment card 100 through a magnetic sequence command corresponding to aselected payment method.

Block S450 of fourth method S400 recites disregarding an input on thesecond input region 132 as a selection for the second payment method.Generally, Block S450 functions to implement a “lock” feature of fourthmethod S400 by ignoring additional inputs on the physical input regionsof the payment card 100 or the virtual input regions displayed on adisplay of a mobile computing device to select (purposefully oraccidentally) an alternative payment method. For example, Block S450 canlock the magnetic stripe emulator 140 in a first payment method paymentmode in response to the selection of the first payment method and priorto expiration of the payment timer such that the magnetic stripeemulator 140 cannot be switched from the first payment method paymentmode to another payment method payment mode until the payment timerexpires.

In one implementation, the processor 160 of the payment card 100 canimplement Block S450 by cutting power to a touch sensor, mechanicalswitch, or other sensor adjacent the set of input regions to withdrawinput sensing capabilities of the payment card 100 once Block S430receives a selection for payment method. In another implementation, theprocessor 160 can implement Block S450 by actively ignoring (i.e., notresponding) to input signals received from the set of input regions onceBlock S430 receives a selection for payment method. However, Block S450can be implemented in any other way to actively or passively disregardan input on an input region of the payment card 100 once a paymentmethod is selected in Block S430.

Block S460 of fourth method S400 recites disabling a payment function ofthe magnetic stripe emulator 140 after a specified period of time.Generally, Block S460 disables the payment function of the payment card100 once the payment timer expires and/or once the payment card 100 hasimplemented the selected payment method in a transaction. For example,Block S420 can set the payment timer at five minutes from selection of apayment method, Block S430 can initiate the timer when the user selectsa payment method, and Block S460 can cancel or stop the payment functionof the payment card 100 when the timer expires.

Block S460 can also provide visual feedback that the timer isapproaching expiration. For example, Block S460 can blink an LED withinthe payment card 100 during the last thirty seconds on the paymenttimer. Block S460 can similarly blink the LED at a rate proportional tothe amount of time left on the payment timer such that the LED blinksfaster as the payment timer approaches expiration.

Once the timer expires, Block S460 can transition the magnetic stripeemulator 140 to a standby or default setting in which the magneticstripe emulator 140 is unpowered in the default setting, as shown inFIG. 15. Alternatively, Block S460 can transition the payment card 100to a passive, inactive, ‘sleep,’ or OFF setting. In this alternative,the payment card 100 can subsequently repeat Block S410 to enable asubsequent payment. However, Block S460 can function in any other way todisable the payment function of the payment card 100.

As described above, the foregoing methods can be implemented incooperation with or through a payment card including a NFC tag emulator,a RFID tag emulator, and/or any other payment authorization protocolemulator in addition or as an alternative to a magnetic stripe emulator.The foregoing methods can therefore enable substantially secureconsolidation of one or more plastic bank card, NFC, RFID, gift card,and/or other payment method on a single payment card.

The systems and methods of the embodiments can be embodied and/orimplemented at least in part as a machine configured to receive acomputer-readable medium storing computer-readable instructions. Theinstructions can be executed by computer-executable componentsintegrated with the application, applet, host, server, network, website,communication service, communication interface,hardware/firmware/software elements of a user computer or mobilecomputing device, or any suitable combination thereof. Other systems andmethods of the embodiments can be embodied and/or implemented at leastin part as a machine configured to receive a computer-readable mediumstoring computer-readable instructions. The instructions can be executedby computer-executable components integrated by computer-executablecomponents integrated with apparatuses and networks of the typedescribed above. The computer-readable medium can be stored on anysuitable computer readable media such as RAMs, ROMs, flash memory,EEPROMs, optical devices (CD or DVD), hard drives, floppy drives, or anysuitable device. The computer-executable component can be a processor,though any suitable dedicated hardware device can (alternatively oradditionally) execute the instructions.

As a person skilled in the art will recognize from the previous detaileddescription and from the figures and claims, modifications and changescan be made to the embodiments of the invention without departing fromthe scope of this invention as defined in the following claims.

We claim:
 1. A method for controlling a payment card comprising amagnetic stripe emulator, a first input region, and a second inputregion, the method comprising: establishing a wireless connection withthe payment card; transmitting a first magnetic sequence command to thepayment card over the wireless connection, the first magnetic sequencecommand associated with a first payment method assigned to the firstinput region; transmitting a second magnetic sequence command to thepayment card over the wireless connection, the second magnetic sequencecommand associated with a second payment method assigned to the secondinput region; and on a digital display, displaying virtualrepresentations of the first input region and the second input region onthe payment card, a visual identifier of the first payment methoddisplayed proximal the virtual representation of the first input region,and a visual identifier of the second payment method displayed proximalthe virtual representation of the second input region.